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Next month? How about in 2? Or 36?

Finance your purchases and payments of €30 or more over a term of up to 36 months.

Aplaza tus compras

A little short on cash this month? Finance your purchase!

There are some expenses that you just don't see coming: technical faults with home appliances, your mum deserves a gift you've had in mind or a little treat that you've been putting off for a while.

With your Openbank credit cards, there's no need to worry. You can easily pay for your purchases that are over budget. And if you're caught off guard by a certain charge, you can finance that too.

Did you know that you can also pay next month with no interest?

Openbank credit cards1 are your new best friends - use them to finance your purchases and payments of €30 or more over 1 month interest-free (0% NIR, 0% APR2) on the website and app.

How can you finance your purchases and payments?

It's simple! From the Customer Area of the website or on the Openbank app:

1. Draw your forefinger! Choose one of your credit cards.

2. Signal your chosen expense! Select the purchases worth €30 or more that you want to finance.

3. Divide and conquer! Choose the repayment term, from 1 to 36 months. You can also settle your purchases or payments 1 month later at zero interest (0% NIR, 0% APR)1.

4. Expense KO'd! Click on “Finance purchase”.

And you're ready to go! You can finance as many purchases as you like.
 

Defer your purchases in just two clicks

Which cards can you use to finance purchases?

Premium Credit, Diamond Credit, and Diamond Infinite Cards

You can settle your purchases and payments of at least €30 one month later with zero interest (APR: 0%)1 or pay for them in instalments of between 2 and 36 months (annual NIR: 9.57%; APR: 10.00%)3.

Premium Credit >

Diamond Credit >

Diamond Infinite Credit Card >

 

 

Open Credit Я42 Travel, Vanity Fair Reading Club, El Hormiguero Credit, Open Credit, and Virtual Credit Cards

You can settle your purchases and payments of at least €30 one month later with zero interest (APR: 0%)1 or pay for them in instalments of between 2 and 36 months (annual NIR: 14.00%; APR: 14.93%)2.

Open Credit Я42 Travel Card >

Я42 Reading Club Credit Card >

El Hormiguero Credit Card  >

Open Credit Card >

Virtual Credit Card >

Tres packs de tarjetas con beneficios a tu medida


Plus, if you have an Openbank account … you can also finance the rest of your payments!

If you have an Openbank Credit Card, you can also finance payments of at least €30 associated with your current account, such as transfers, bills or debit card payments:

  1. Go to the transactions of your current account.
  2. Select the payment of at least €30 that you want to finance and click on “Finance payment”.
  3. Choose the repayment term, from 1 to 36 months. Settling the purchase or payment the following month has zero interest (0% NIR, 0% APR)1 when you use your Openbank credit cards2.